CommBank CommBank GoalSaver — Interest Rate & Review

The CommBank GoalSaver pays bonus interest in any month your balance grows (excluding interest). CommBank also offers the intro-rate NetBank Saver.

⚠ You only earn 4.75% in months you meet the conditions. Miss them and you drop to 0.25%. Use the calculator to model your real return.

CommBank CommBank GoalSaver at a glance

The conditions, in plain English

We pay bonus interest on top of the standard variable credit interest rate on credit balances if you: 1) Make at least one deposit each calendar month into your account; and 2) Have a higher account balance at the end of the month compared to the account balance at the start of the month (excluding interest and bank-initiated transactions). One variable bonus interest rate applies to your entire balance. The interest rate depends on how much you have in your account.

Commonwealth Bank, est. 1911. Data source: CommBank Consumer Data Right product feed.

How it compares

#	Bank & product	Max rate p.a.	Base rate	Conditions	Bonus cap	Fee
1	RabobankRabobank High Interest Savings Account	5.90%Introductory	4.00%	Intro rate	$250,000	No fee
2	ubankubank Save	5.85%Introductory	—	Intro rate	$100,000	No fee
3	INGSavings Maximiser	5.49%Bonus (conditional)	0.01%	Monthly conditions	—	No fee
4	MacquarieMacquarie Savings Account	5.35%Introductory	5.00%	Intro rate	$250,000	No fee
5	UpUp Saver	5.35%Ongoing (unconditional)	5.35%	No monthly conditions	$5,000	No fee

Sorted by maximum advertised rate (an objective sort, not a recommendation). “Max rate” is the highest rate the product can pay; most require monthly conditions or are introductory. Base rate is what you earn if conditions aren’t met / after the intro period. Figures from Open Banking feeds, 24 August 2026 — verify with the bank.

See the full savings account comparison →

CommBank savings — FAQ